Disclaimer

Rate text information is intended as a general market reference only, as of the date of creation, and
intended for mortgage professionals and their partners’ use. It is not intended for public distribution,
online posting, or to serve as an accurate rate quote, as additional factors will affect each loan scenario.

Rates, points and closing costs may vary based on loan features, geography and/or other terms and
conditions. APR calculations are based on origination points, discount fees, and average loan fees,
including closing costs. Rates, points and closing costs are subject to change without notice and vary by
state and the interest rate chosen. Rates may also be affected by the borrower’s credit profile. Please
contact Tom Theewis, owner of Montis Lending Group for more information.

Scenarios used for the interest rate estimates:

Conventional – Single Family Residence, Primary Occupancy, Purchase price of $600,000, downpayment
of 25% or $150,000, loan amount $450,000, 780+ credit score, 45% DTI ratio

FHA – Single Family Residence, Primary Occupancy, Purchase price of $600,000, downpayment of 3.5%
or $21,000, loan amount $589,132 (including $10,132 UPMIP), 760+ credit score, 45% DTI ratio

VA – Single Family Residence, Primary Occupancy, Purchase price of $600,000, $0 downpayment, loan
amount $612,900 (including $12,900 VA Funding Fee), 760+ credit score, 45% DTI ratio